AUTOPAY
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Nightmare Experience
This has been a really rough first experience with refinancing. Autopay sent me a letter saying I was "preapproved" for a rate that lowered my monthly payments a lot. When the agent starting looking into it, my offer was significantly worse than what was promoted. Furthermore, he sold me on products that I was never intending to buy: Gap coverage and a prepaid maintenance package. Naive me, I thought he was acting in my interest and I went through with the process. It took way longer than promised and my loan funded over a month after they said it would. Furthermore, I have to make additional, unplanned payments to my previous bank due to this delay. The salt in the wound is that the $700 maintenance package I was sold is essentially for 4 oil changes and a few tire rotations. I have been sold a false bill of goods: grossly over-priced maintenance package, higher than promised APR, and missed timeframes making my life a nightmare! Both banks now have a loan out and are trying to collect from me. Thanks Autopay! Lesson learned, refinance through my credit union from now on.